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Primerica (PRI) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Primerica (PRI) Q3 2026 earnings results →
Q3 2026 Revenue up 7% year over year to $902M · 23¢ of every $1 of revenue kept as net profit · operating margin 30.2%
Primerica made $902M in Q3 2026 (+7% Y/Y): Term Life Insurance Segment Revenues $462M, Investment and Savings Products Segment Revenues $378M, Corporate and Other $62.1M. Operating margin 30.2%, net earnings $209M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $901.7M in Q3 2026, up 7% year over year and up 4% from the previous quarter. Term Life Insurance Segment Revenues was the largest line at 51% of revenue. Investment and Savings Products Segment Revenues added $59.2M year over year (up 19%), 96% of the total change.
Operating profit was $271.9M, a 30.2% margin (down 2.2 points year over year). Of the extra revenue versus Q3 2025, 0% reached operating profit, below the 32% margin then. Total costs grew 11% against revenue growth of 7%. Net earnings were $209.1M, up 1% year over year. The effective tax rate was 23.1%.
Operating cash flow was $291.4M (up 44% year over year), 139% of net earnings. Non-cash charges added back $4.3M of depreciation and amortization and $2.4M of share-based compensation. Working capital and other items added $75.5M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $902M | +7% | 30.2% | $209M | $291M |
| Q2 2026 | 10-Q | Aug 6, 2026 | $865M | +9% | 29.8% | $202M | $194M |
| Q1 2026 | 10-Q | May 7, 2026 | $873M | +8% | 28.6% | $190M | $157M |
| Q4 2025 | 10-K | Feb 27, 2026 | $854M | +8% | 28.9% | $197M | $338M |
| Q3 2025 | 10-Q | Nov 6, 2025 | $840M | +8% | 32.3% | $207M | $203M |
| Q2 2025 | 10-Q | Aug 7, 2025 | $793M | +0.3% | 29.6% | $178M | $163M |
| Q1 2025 | 10-Q | May 8, 2025 | $805M | +9% | 27.5% | $169M | $197M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Primerica
Primerica, Inc. is a leading diversified financial services distribution company serving middle-income households in the United States and Canada. Our licensed representatives educate families on how to prepare for a more secure financial future and help them achieve their financial goals with our term life insurance and third-party mutual funds, managed accounts, annuities, loans and other financial products. We insured over 5.5 million lives and had approximately 3.1 million client investment accounts as of December 31, 2025. Through our life insurance subsidiaries in North America, in 2025 Primerica was the #3 issuer of term life insurance, which we largely reinsure. Primerica stock is included in the S&P MidCap 400 and the Russell 1000 stock indices and is traded on The New York Stock Exchange under the symbol “PRI”. We are headquartered in Duluth, Georgia.
In its own words, from its 8-K, filed Aug 5, 2026.
Primerica against its Life Insurance peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +7% against the peers' median +8%. Operating margin: 30.2% against the peers' median 11.4%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| PRI Primerica | Q3 2026 | $902M | +7% | 30.2% |
| MET Metlife | Q3 2026 | $20.5B | +18% | 8.9% |
| PRU Prudential Financial | Q3 2026 | $14.4B | -19% | 11.4% |
| Metropolitan Life Insurance | Q2 2026 | $9.6B | +2% | 6.0% |
| RGA Reinsurance Group of America | Q3 2026 | $7.5B | +22% | 8.3% |
| CRBG Corebridge Financial | Q3 2026 | $6.2B | +14% | 37.7% |
| LNC Lincoln National | Q3 2026 | $5.5B | +20% | 31.7% |
| Lincoln National Life Insurance | Q2 2026 | $4.3B | +8% | 25.2% |
| ATH-PA Athene Holding | Q3 2026 | $3.1B | -62% | -56.7% |
Source: Primerica 10-Q on SEC EDGAR · CIK 1475922 · Life Insurance
Guidance and outlook
13F: who owns PRI and who is buying
More on PRI
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results